BlastPoint's Credit Union Scorecard
SPERO FINANCIAL
Charter #361 · SC
SPERO FINANCIAL has 3 strengths but faces 13 concerns
How does the industry compare?
What's your peer group doing?
How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 85.0% in tier
- + Net Interest Margin 0.34% above tier average
- + Total Loans: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 19.0% in tier
- - Stagnation Risk: Bottom 29.7% in tier
- - Credit Quality Pressure: Bottom 70.7% in tier
- - Liquidity Strain: Bottom 86.8% in tier
- - Credit Risk Growth: Bottom 91.4% in tier
- - Efficiency Drag: Bottom 98.1% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 4.04% above tier (higher cost structure)
- - Member decline: -5.8% YoY
- - Member Growth Rate: Bottom 6.1% in tier
- - Share Certificate Concentration (%): Bottom 6.1% in tier
- - Net Worth Ratio: Bottom 7.9% in tier
- - Deposit Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,865
-5.8% YoY-3.6% QoQ
|
+7.3K |
38,575
-4.8% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$707.0M
+0.7% YoY+1.9% QoQ
|
+$85.3M |
$621.7M
+0.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$577.7M
+1.4% YoY-0.5% QoQ
|
+$147.9M |
$429.8M
-1.8% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
Top 4.2% in tier |
| Deposits |
$627.3M
-1.7% YoY-0.7% QoQ
|
+$88.6M |
$538.7M
+0.6% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
Top 12.7% in tier |
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| ROA |
0.2%
-149.0% YoY-16.4% QoQ
|
-0.5% |
0.7%
+42.9% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.9% in tier |
| NIM |
3.8%
+8.8% YoY+0.3% QoQ
|
+0.3% |
3.4%
+8.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
81.6%
-11.0% YoY+0.7% QoQ
|
+4.0% |
77.5%
-4.1% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.8%
+16.1% YoY-1.8% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
92.1%
+3.2% YoY+0.2% QoQ
|
+12.3% |
79.8%
-2.3% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$26,273
+5.8% YoY+3.1% QoQ
|
$-576 |
$26,849
+2.7% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
38.9%
-4.3% YoY-1.5% QoQ
|
+14.5% | 24.4% | 17.8% | 19.8% | Top 8.9% in tier |
| Indirect Auto % |
8.9%
+4.3% YoY-1.4% QoQ
|
-4.9% | 13.8% | 5.9% | 7.8% | 52% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)